46 Circle Dr, Charleston, IL 61920 Property Records

Coles County property record for 46 Circle Dr, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,570 sqft · built 1965
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$77,500 (Jan 2019)
Deeds & Mortgages	Feb 2026 Transfer Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2-10394-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-10394-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,570 sqft Base Area
1st Floor Area	1,570 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	115 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	46 CIRCLE DR
City	CHARLESTON
State	IL
Zip	61920-2952
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIDWEST PARK ANNEX LOT 46 NE 1/4 SEC 14 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	14
Legal Subdivision	MIDWEST
Legal Lot Number	46
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	1
Census Block	1010
Census Tract	701

Owner

46 Circle Dr is owned and occupied by an individual who acquired it in February 2026.

Source: Coles County records, as of June 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	46 CIRCLE DR, CHARLESTON, IL 61920-2952
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Transfer on Death Deed, Transfer
Jan 18, 2019	Warranty Deed, Transfer · Conventional Mortgage PNC BANK
Oct 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Deed Document Number	2019779953
Last Transfer Date	Feb 17, 2026
Transfer Doc	0000821295
Record Updated	Sep 20, 2026

February 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	COLES IL
Recording Date	Feb 17, 2026
Property Address	46 CIRCLE DR, CHARLESTON, IL 61920-2952
Document Number	202600821295
Instrument Date	Feb 17, 2026
Instrument	202600821295
Transaction Type	Transfer
Record Updated	Mar 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 CIRCLE DR, CHARLESTON, IL 61920-2952

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jan 18, 2019
Property Address	46 CIRCLE DR, CHARLESTON, IL 61920-2952
Document Number	201900779953
Instrument Date	Jan 17, 2019
Instrument	201900779953
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	46 CIRCLE DR, CHARLESTON, IL 61920-2952

Mortgage

Document Number	201900779954
Date	Jan 18, 2019
Instrument	201900779954

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	46 CIRCLE DR, CHARLESTON, IL 61920-2952
Transaction Type	Mortgage
Record Updated	Nov 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800778588
Date	Oct 23, 2018
Instrument	201800778588

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 22, 2019

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Coles County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Coles County
County Subdivision	Charleston Township
Municipality	Charleston City
Unified School District	Charleston Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$37,431 (+10.2%) Land $5,425 Building $32,006	$112,293 (+10.2%) Land $16,275 Building $96,018
2024	$33,967 (+9.5%) Land $4,923 Building $29,044	$101,901 (+9.5%) Land $14,769 Building $87,132
2023	$31,020 Land $4,496 Building $26,524	$93,060 Land $13,488 Building $79,572

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 46 Circle Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 18, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 46 Circle Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHARLESTON serves 17,286 people · EPA ID IL0290100
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Watch TV.

Nearby Properties on Circle Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures